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Original filing (PDF)20251014092101NAL0003515408001
O'BRIEN AUTO TEAM, INC.
Form 5500
FILING_RECEIVED
O'BRIEN AUTO TEAM 401(K) PLAN
401(k) retirement plan
Signals · 2
~106 bps in Sched C feesNo recordkeeper disclosed
Active participants
166
Accounts w/ balance
255
Plan assets (EOY)
$9.0M
Net assets (EOY)
$9.0M
How this plan invests
This plan
28 securities
funds · stocks · CUSIPs
Holdings are itemized directly on this plan's Schedule of Assets, below.
Plan health score (directional)
89
/ 100
Grade A
Top-tier plan health
Directional indicator computed from public Form 5500 data — compliance, concentration, cost, vendor stack and participation. Not a fiduciary tool.
Compliance & disclosures
100
Concentration risk
100
Total plan cost
65
Vendor stack
80
Participation health
100
Knocking points off
- 106 bps in Schedule C fees — 103% above peer band of 52 bps.
- No recordkeeper disclosed on Schedule C.
Decision-maker contacts
CFO / Head of HR / Benefits Manager — verified email + LinkedIn for O'BRIEN AUTO TEAM, INC..
Plan sponsor
Name
O'BRIEN AUTO TEAM, INC.
EIN
01-0631714
Address
1601 FORT JESSE ROAD, SUITE 200 · NORMAL, IL · 61761
Phone
(309) 664-1222
Industry
Retail Tradesee all
Plan administrator
Same as plan sponsor.
Plan characteristics
Plan number
333
Plan year
2024
Plan year begin
2024-01-01
Tax period
2024-12-31
Filed
2025-10-14
Pension benefit codes
2E · Profit-sharing
2J · 401(k) feature
2K · 401(m) arrangement
2F · ERISA section 404(c)
2G · Total participant-directed accounts
3D · Pre-approved plan (master / prototype / VS)
3H · Sponsor in controlled / affiliated group
2S · Automatic enrollment
Audit & trust (Schedule H)
Auditor
BOYER & RITTER
Trustee / custodian
—
Trustee phone
—
Service providers (Schedule C)
5 rowsAdvisor / Consultant
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| MMLIS | — | SPRINGFIELD, MA | INVESTMENT ADVISOR | $23K | — |
| CETERA ADVISOR NETWORKS LLC | — | EL SEGUNDO, CA | BROKER/ ADVISOR | $0 | — |
TPA / Administrator
1| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| AIMPOINT GROUP LLC | — | POMPANO BEACH, FL | CONTRACT ADMIN | $17K | — |
Other
2| Name | EIN | Location | Relation | Direct comp | Indirect comp |
|---|---|---|---|---|---|
| EMPOWER ANNUITY INSURANCE CO. OF AM | — | GREENWOOD VILLAGE, CO | RECORDKEEER | $28K | — |
| EMPOWER ADVISORY GROUP, LLC | — | GREENWOOD VILLAGE, CO | INVESTMENT MGMT | $27K | — |
Investments
27 direct securities· $9.0M(100% of reported assets)
| PI | Investment | Type | Shares / units | Cost | Current value | % of plan |
|---|---|---|---|---|---|---|
| State Street Aggregate Bond Index K 17,674.34 shares | — | — | — | $1.5M | 16.6% | |
| JPMorgan StartRetirement Blend 2045 R6 40,866.11 shares | — | — | — | $1.3M | 14.9% | |
| State Street Equity 500 Index K 1,529.97 shares | — | — | — | $672K | 7.5% | |
| Fidelity International Index 13,649.46 shares | — | — | — | $649K | 7.2% | |
| JPMorgan StartRetirement Blend 2050 R6 17,154.06 shares | — | — | — | $567K | 6.3% | |
| Fidelity Mid Cap Index 12,959.26 shares | — | — | — | $438K | 4.9% | |
| American Funds New World R6 4,582.57 shares | — | — | — | $353K | 3.9% | |
| Fixed Income Investment Contract Empower Annuity Insurance Company of America * Guaranteed Interest Fund N/A units | — | — | — | $347K | 3.9% | |
| Fidelity Large Cap Growth Index 8,842.14 shares | — | — | — | $346K | 3.8% | |
| Registered Investment Companies American Century Inflation Adj Bond R6 30,690.07 shares | — | — | — | $317K | 3.5% | |
| JPMorgan StartRetirement Blend 2055 R6 8,311.72 shares | — | — | — | $273K | 3.0% | |
| Fidelity Small Cap Index 9,486.05 shares | — | — | — | $263K | 2.9% | |
| MFS Massachusetts Inv 5,570.71 units | — | — | — | $246K | 2.7% | |
| JPMorgan StartRetirement Blend 2060 R6 9,088.02 shares | — | — | — | $233K | 2.6% | |
| American Funds New Perspective R6 3,677.32 shares | — | — | — | $229K | 2.5% | |
| JPMorgan StartRetirement Blend 2040 R6 5,922.84 shares | — | — | — | $184K | 2.0% | |
| American Funds Bond Fund of Amer R6 16,340.28 shares | — | — | — | $182K | 2.0% | |
| Putnam Equity Income R6 4,440.30 shares | — | — | — | $153K | 1.7% | |
| JPMorgan Income R6 17,661.49 shares | — | — | — | $150K | 1.7% | |
| JPMorgan StartRetirement Blend 2035 R6 4,617.85 shares | — | — | — | $134K | 1.5% | |
| American Funds Washington Mutual R6 2,150.55 shares | — | — | — | $132K | 1.5% | |
| Invesco International Bond R6 20,149.37 shares | — | — | — | $87K | 1.0% | |
| PGIM High-Yield R6 16,104.37 shares | — | — | — | $77K | 0.9% | |
| American Century Mid Cap Value R6 3,835.42 shares | — | — | — | $60K | 0.7% | |
| Contributions Participant Loan Contributions Pending Corrected Outside of Payments are Not Corrected Correction in VFCP Included VFCP $ | — | — | $12K | $28K | 0.3% | |
| Janus Henderson Small Cap Value N 444.05 shares | — | — | — | $10K | 0.1% | |
| Clearbridge Small Cap Growth IS 25.80 shares | — | — | — | $1K | <0.1% |
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